Shell-Fir Credit Union

Shell-Fir Credit Union is headquartered in Shelley and is the 53^rd largest credit union in the state of Idaho. It is also the 6,751^st largest credit union in the nation. It was established in 1965 and as of December of 2011, it had grown to employees and 434 members. Shell-Fir Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics SHELL-FIR NCUA # 82539 BankRate Report View Year Chartered 1965 Employees 0 Primary Regulator Assets and Liabilities Assets $909,000 Loans $686,000 Deposits $827,000 Equity Capital $80,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $26,000 Historic Data - December 2010 Assets $964,000 Equity Capital $80,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $31,000 Profit Margin - Quarterly Net Interest Margin 6.78% Return on Assets 0% Return on Equity 0% Interest Income $51,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Shell-Fir Credit Union had $26,000 in non-current loans and owned real-estate with $87,000 in equity and loan loss allowances on hand to cover it. This gives Shell-Fir Credit Union a Texas Ratio of 29.89% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Shell-Fir Credit Union decreased slightly from 35.63% as of December 31, 2010 to 29.89% as of December 31, 2011, resulting in a positive change of 16.13%.This indicates that the balance sheet and financial strength for Shell-Fir Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Shell-Fir Credit Union has decreased its total deposits by $-55,000, resulting in -6.24% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Shell-Fir Credit Union has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Shell-Fir Credit Union has $909,000 in assets with $87,000 in equity, resulting in a capitalization level of 9.57%, which is average.

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